Re: Authorized users - Reporting??

I simply called them back and gave them her SS#. They took it.

And did that work for you? Is your account now on her credit report? Maybe in a couple months I should call Discover and ask them if they want the SSN of the AU on my account. When I added an Exxon/Mobil AU they asked for the SSN, but nothing on her report yet. I wonder how long it takes for them to report the AU. I think I read it can take many months bc it is not a top priority for them. Guess I'll have to wait and see.

Re: Authorized users - Reporting??

If she has any accounts now, just have her assume your current address, and then your address will start reporting.

You will both need a 620, because the score condition is based on the lower of the two of you.

i thought about this last night, and if you can qualify on the loan with your income don't bother worrying, just buy it in your name, and add her to the deed of trust instead. Then she will be free of the account on her credit, and will still be a co-owner with you!

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.